Can I retire at age 43 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$144,513$143,226$141,970$140,744$139,547$137,519
2 years$71,541$70,209$68,918$67,666$66,451$64,412
3 years$47,220$45,882$44,594$43,354$42,159$40,172
4 years$35,062$33,728$32,453$31,234$30,068$28,149
5 years$27,769$26,443$25,185$23,991$22,858$21,012
6 years$22,909$21,593$20,353$19,186$18,086$16,316
7 years$19,439$18,134$16,914$15,774$14,709$13,015
8 years$16,837$15,544$14,344$13,232$12,203$10,584
9 years$14,815$13,534$12,355$11,271$10,276$8,733
10 years$13,198$11,929$10,771$9,716$8,756$7,287
11 years$11,876$10,620$9,483$8,455$7,530$6,134
12 years$10,775$9,532$8,416$7,417$6,526$5,200
13 years$9,844$8,614$7,519$6,548$5,691$4,434
14 years$9,047$7,830$6,756$5,812$4,988$3,798
15 years$8,357$7,153$6,099$5,184$4,392$3,267
16 years$7,753$6,563$5,530$4,641$3,882$2,819
17 years$7,221$6,044$5,032$4,170$3,442$2,440
18 years$6,749$5,585$4,594$3,758$3,060$2,117
19 years$6,327$5,176$4,205$3,396$2,728$1,840
20 years$5,948$4,810$3,859$3,076$2,436$1,602
21 years$5,605$4,480$3,550$2,791$2,180$1,397
22 years$5,294$4,182$3,272$2,538$1,954$1,220
23 years$5,010$3,911$3,021$2,311$1,754$1,067
24 years$4,750$3,665$2,794$2,108$1,577$933
25 years$4,512$3,439$2,588$1,925$1,419$818
26 years$4,292$3,232$2,400$1,760$1,278$717
27 years$4,089$3,042$2,229$1,611$1,152$628
28 years$3,900$2,866$2,072$1,476$1,040$551
29 years$3,725$2,704$1,928$1,354$939$484
30 years$3,562$2,554$1,796$1,242$848$425
31 years$3,410$2,414$1,674$1,141$767$374
32 years$3,268$2,284$1,562$1,049$694$328
33 years$3,134$2,163$1,458$964$628$289
34 years$3,009$2,050$1,363$887$568$254
35 years$2,891$1,945$1,274$817$515$223
36 years$2,779$1,846$1,192$752$467$197
37 years$2,674$1,753$1,116$693$423$173
38 years$2,575$1,666$1,045$639$383$152
39 years$2,481$1,584$979$589$348$134
40 years$2,393$1,507$917$543$315$118
41 years$2,308$1,435$860$501$286$104
42 years$2,228$1,366$807$463$260$91
43 years$2,152$1,302$757$427$236$80
44 years$2,079$1,241$711$394$214$71
45 years$2,010$1,183$667$364$194$62
46 years$1,944$1,129$627$336$176$55
47 years$1,881$1,077$589$311$160$48
48 years$1,821$1,028$553$287$145$43
49 years$1,764$982$520$265$132$38
50 years$1,709$938$489$245$120$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,750,000, adding $4,326 every year, while hoping to spend $43,829 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 60/22/18 Blend
42$1,750,000$1,750,000$1,750,000$1,750,000
43$1,932,962$1,840,212$1,813,087$2,039,699
44$2,083,491$1,883,749$1,827,192$2,155,886
45$2,247,904$1,927,950$1,840,300$2,277,350
46$2,427,572$1,972,802$1,852,332$2,408,854
47$2,624,004$2,018,288$1,863,205$2,551,376
48$2,838,859$2,064,391$1,872,829$2,705,995
49$3,073,967$2,111,090$1,881,113$2,873,896
50$3,331,340$2,158,362$1,887,958$3,056,388
51$3,613,196$2,206,181$1,893,264$3,254,911
52$3,921,976$2,254,518$1,896,923$3,471,055
53$4,260,369$2,303,341$1,898,821$3,706,568
54$4,631,336$2,352,614$1,898,841$3,963,378
55$5,038,139$2,402,298$1,896,859$4,243,609
56$5,484,369$2,452,351$1,892,743$4,549,604
57$5,973,983$2,502,725$1,886,359$4,883,941
58$6,511,340$2,553,369$1,877,563$5,249,464
59$7,101,240$2,604,227$1,866,204$5,649,306
60$7,748,970$2,655,238$1,852,125$6,086,921
61$8,460,356$2,706,336$1,835,163$6,566,114
62$9,241,814$2,757,448$1,815,143$7,091,080
63$10,100,414$2,808,498$1,791,885$7,666,441
64$11,043,943$2,859,402$1,765,200$8,297,293
65$12,080,981$2,910,068$1,734,890$8,989,249
66$13,220,979$2,960,399$1,700,746$9,748,499
67$14,474,350$3,010,290$1,662,553$10,581,864
68$15,852,568$3,059,628$1,620,082$11,496,861
69$17,368,272$3,108,292$1,573,097$12,501,775
70$19,035,387$3,156,150$1,521,348$13,605,739
71$20,869,259$3,203,063$1,464,575$14,818,816
72$22,886,791$3,248,882$1,402,506$16,152,101
73$25,106,612$3,293,444$1,334,858$17,617,819
74$27,549,243$3,336,580$1,261,332$19,229,445
75$30,237,297$3,378,104$1,181,618$21,001,831
76$33,195,691$3,417,821$1,095,393$22,951,346
77$36,451,879$3,455,521$1,002,315$25,096,032
78$40,036,110$3,490,981$902,032$27,455,772
79$43,981,715$3,523,961$794,172$30,052,481
80$48,325,423$3,554,208$678,350$32,910,314
81$53,107,703$3,581,451$554,161$36,055,892
82$58,373,147$3,605,401$421,184$39,518,554
83$64,170,893$3,625,751$278,979$43,330,638
84$70,555,086$3,642,174$127,086$47,527,784
85$77,585,387$3,654,322$0$52,149,271
86$85,327,540$3,661,827$0$57,245,114
87$93,853,988$3,664,296$0$62,882,788
88$103,244,560$3,661,312$0$69,090,543
89$113,587,220$3,652,431$0$75,926,439
90$124,978,900$3,637,184$0$83,454,459
91$137,526,414$3,615,073$0$91,745,112
92$151,347,464$3,585,567$0$100,876,099
93$166,571,752$3,548,106$0$110,933,050
94$183,342,203$3,502,096$0$122,010,328
95$201,816,314$3,446,905$0$134,211,926
96$222,167,641$3,381,865$0$147,652,441
97$244,587,434$3,306,270$0$162,458,166
98$269,286,444$3,219,370$0$178,768,276
99$296,496,913$3,120,370$0$196,736,144
100$326,474,762$3,008,432$0$216,530,791